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PIA: Insurance Regulatory Reform Will Take Years, More Than One BillAs the year drew to a close and members of Congress started to think about adjournment, an influential senator introduced a bill to reform insurance regulation. The bill was intended as a starting point for discussion of various proposals circulating in the industry.

It called for an optional federal system, in which an insurer would be given a choice of being regulated under a state or a federal charter. If a federal charter were chosen, the insurer would then be exempt from state regulation and subject to federal standards.

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